# Chisel OS — the AI-native operating system for the trades

> Chisel OS is a free, AI-native operating system for skilled-trades businesses, built around a Virtual Back Office of ten AI agents, embedded payments (Chisel Pay), and a cross-trade referral network. There is no per-seat subscription.

**Canonical URL:** https://chiselindustries.com/platform  
**Publisher:** Chisel Industries (https://chiselindustries.com)  
**Last updated:** 2026-07-03

## Key facts

- **Price to operators:** $0 — no per-seat subscription, versus $200–500 per technician per month for conventional field-service software
- **AI agents in the Virtual Back Office:** 10
- **Blended take-home:** 97.98% — on a 50/50 card/ACH mix
- **Instant deposits:** ~30 min — funds, not 'two business days'
- **Higher close rates:** +20–30% — with BNPL at the point of sale
- **ACH, capped at $5:** 0.8% — a ~99% take-home rate

## What it is

Chisel OS is an operating system for a trades business, not a scheduling app
with AI features bolted on. It was architected for agents from the first line of
code in 2026, which is the difference it claims over incumbents retrofitting AI
onto software designed for humans filling in forms.

## The stack

- **Chisel Pay** (The economic engine) — Card · ACH · BNPL · Instant deposits · Tap to Pay · Automated collections
- **Vertical Products** (A complete OS per trade) — Tide · Ridge · Sentry — a complete OS per trade
- **AI Engine + Chisel Network** (The brain and the referrals) — Estimating · Dispatch · Apprentice · Insights · Cross-trade referrals
- **Embedded Finance** (Banking for the trades) — Equipment loans · Lines of credit · Insurance
- **Infrastructure** (AI-native from the first line) — Real-time data pipeline · Bank-grade security · Built 2026 for agents

## The Virtual Back Office

The core of the system is 10 AI agents, each holding a role a
growing business would otherwise hire for:

- **COO** (Strategic oversight · the owner's interface) — Synthesizes a 60-second morning briefing across every domain, handles multi-domain requests, and surfaces only what matters.
- **Dispatcher** (Routes & scheduling) — Builds and re-optimizes daily routes every night at 4am, and handles cancellations, emergencies, and call-outs in real time.
- **Biller** (Invoicing & collections) — Generates invoices the moment a job is done and runs escalating collection sequences at 7, 14, and 30 days.
- **Inventory Manager** (Stock & reorder) — Reviews stock against the schedule, auto-generates purchase orders, and forecasts demand by season.
- **CSR** (Customer communications) — Handles confirmations, reschedules, and service summaries across phone, SMS, email, and chat — 24/7.
- **Analyst** (P&L & KPIs) — Tracks real-time profit per job, tech, and day, weekly trends, and board-ready monthly financials.
- **Marketing** (Reviews & leads) — Requests reviews after every service, responds to Google and Yelp, prompts referrals, and runs campaigns.
- **HR Coordinator** (Recruit, hire, retain) — Drafts postings, screens applicants, schedules interviews, tracks certifications, and courts trades schools.
- **Field Assistant** (On-site AI guide) — Apprentice Mode — guides techs through diagnostics by voice and photo, and builds tiered estimates on the spot.
- **Compliance** (Logs, safety, regulations) — Validates readings against safe ranges, generates health-department reports, and flags expirations before they bite.

Most of their work happens on a schedule and in the background — routes rebuilt
nightly, invoices generated at job completion, inventory reviewed at dawn, a
briefing assembled for the morning. Conversation is reserved for exceptions.
Financial actions above a threshold pause for human approval, and every agent
decision is traced and auditable.

## What the AI produces

- **AI Estimating: Bigger tickets.** A photo of a roof, a panel, or a pool pad becomes a tiered good/better/best proposal in seconds. (+15–25% average ticket)
- **AI Dispatch: More jobs per truck.** Routes by skill, location, traffic, and parts on the truck — re-optimizing live as the day changes. (Less windshield time)
- **AI Apprentice: An answer to the labor shortage.** Guides less-experienced techs through diagnostics step by step, improving first-time fix rates. (500K+ unfilled trades jobs)
- **AI Revenue Insights: A P&L that finds you.** “Today your crew did $4,200 at 62% margin. You have 3 unsold estimates over $5K — want me to follow up?” (9pm → 9am the work comes to you)

## How it is different

- **Free, not $200–500 a tech** — Keep the five figures a year you were handing to a software vendor — and put it back into the business.
- **Conversations, not forms** — Tell it what happened and move on. No data entry, no dashboards to babysit at 9pm.
- **Payments that pay you faster** — Money in your account in minutes, automated collections, and a bigger share of every dollar you bring in.
- **AI that grows your margins** — Bigger tickets, more jobs per truck, fewer no-pays — profit that comes looking for you.

## Products by trade

- **Chisel Tide** — Pool service. Your pool route runs itself. See /tide.
- **Chisel Ridge** — Roofing. Measure it. Price it. Finance it. Close it — from the driveway.
- **Chisel Sentry** — Pest control. Every treatment documented. Every route optimized.